The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$158,598
−HK$9,945/mo
▼ 0.25% · 3.875%
HK$163,531
−HK$5,012/mo
Today · 4.125%
HK$168,543
baseline
▲ 0.50% · 4.625%
HK$178,799
+HK$10,256/mo
Deposit HK$34.78M · loan HK$34.78M · min. income ≈ HK$337,086/mo (50% DSR)
Upfront cash ≈ HK$37.73M (deposit + AVD stamp duty HK$2,955,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,439
−HK$9,532/mo
▼ 0.25% · 3.875%
HK$181,171
−HK$4,800/mo
Today · 4.125%
HK$185,971
baseline
▲ 0.50% · 4.625%
HK$195,774
+HK$9,803/mo
Deposit HK$34.78M · loan HK$34.78M · min. income ≈ HK$371,942/mo (50% DSR)
Upfront cash ≈ HK$37.73M (deposit + AVD stamp duty HK$2,955,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,318
−HK$11,934/mo
▼ 0.25% · 3.875%
HK$196,237
−HK$6,015/mo
Today · 4.125%
HK$202,252
baseline
▲ 0.50% · 4.625%
HK$214,559
+HK$12,307/mo
Deposit HK$27.82M · loan HK$41.73M · min. income ≈ HK$404,504/mo (50% DSR)
Upfront cash ≈ HK$30.78M (deposit + AVD stamp duty HK$2,955,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,726
−HK$11,439/mo
▼ 0.25% · 3.875%
HK$217,405
−HK$5,760/mo
Today · 4.125%
HK$223,165
baseline
▲ 0.50% · 4.625%
HK$234,929
+HK$11,764/mo
Deposit HK$27.82M · loan HK$41.73M · min. income ≈ HK$446,330/mo (50% DSR)
Upfront cash ≈ HK$30.78M (deposit + AVD stamp duty HK$2,955,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$222,037
−HK$13,924/mo
▼ 0.25% · 3.875%
HK$228,944
−HK$7,017/mo
Today · 4.125%
HK$235,961
baseline
▲ 0.50% · 4.625%
HK$250,318
+HK$14,357/mo
Deposit HK$20.87M · loan HK$48.69M · min. income ≈ HK$471,922/mo (50% DSR)
Upfront cash ≈ HK$23.82M (deposit + AVD stamp duty HK$2,955,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$247,014
−HK$13,345/mo
▼ 0.25% · 3.875%
HK$253,639
−HK$6,720/mo
Today · 4.125%
HK$260,359
baseline
▲ 0.50% · 4.625%
HK$274,083
+HK$13,724/mo
Deposit HK$20.87M · loan HK$48.69M · min. income ≈ HK$520,718/mo (50% DSR)
Upfront cash ≈ HK$23.82M (deposit + AVD stamp duty HK$2,955,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$285,476
−HK$17,902/mo
▼ 0.25% · 3.875%
HK$294,356
−HK$9,022/mo
Today · 4.125%
HK$303,378
baseline
▲ 0.50% · 4.625%
HK$321,838
+HK$18,460/mo
Deposit HK$6.96M · loan HK$62.60M · min. income ≈ HK$606,756/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$2,955,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$317,589
−HK$17,159/mo
▼ 0.25% · 3.875%
HK$326,107
−HK$8,641/mo
Today · 4.125%
HK$334,748
baseline
▲ 0.50% · 4.625%
HK$352,393
+HK$17,645/mo
Deposit HK$6.96M · loan HK$62.60M · min. income ≈ HK$669,496/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$2,955,989 · Scale 2, in force from 26 Feb 2026)